When refinancing your mortgage, there are a lot of different fees and costs to consider. Some of these, like the loan origination fee, are typically rolled into the loan itself. Others, like appraisal fees or title insurance, are paid upfront. And then there are closing costs, which can add several thousand dollars to the total cost of your refinance. A no closing cost refinance is a loan that helps cover these costs at signing, so you don’t have to come up with the cash upfront.